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  1. Ok, so we are about to see the biggest change in how health insurance is bought and how health care is administered. The line between payer and health care provider is about to be blurred. Health insurance companies are partnering with Hospitals and Physician groups to try to control the cost of health care. The Fed. Exchange is suppose to be live in Oct. of this year. You will be able to apply for subsidies for your health insurance premiums. If a family of 4 have household income around $50,00 they may pay 6.3% of household income in health insurance premium. That would break down to $260 a month for a family of 4 on a plan that actually cost $18,000 a year. Most small group plans will drop group coverage. They will be doing their employees a favor by not offering group coverage. So everyone knows, You will not be able to have a health plan that has a deductible higher than $2,000 single and $4,000 family. Most plans right now do not meet those standards. This means price is going to go up. Not to mention the Essential Health Benefits being added to the plans. It sounds like the Industry group was not as sharp as they thought they were going to be. www.indianahealthinsuranceexchange.com www.indianahealthinsurance.com
    March 11, 2013 3:14 pm on Industry group: Health care reform still a mystery
  2. A lot of different topics in this article. The ACO model might feel like an HMO to many people that are on it. The hospitals that initially piloted this program have all decided not implement. It will be very very interesting to see the success of Franciscan network. There is no debate that the current fee for service system is very broken.
    With the Federal Health Insurance exchange, it is expected we will see narrow networks. This will also be a HMO look like. The Insurance companies have already started negotiating with hospitals to lower reimbursement rates. With the subsidies and tax credit available many people will be happy to have low costing health insurance.So going just one hospital group will be ok with them. Other people will not be ok with restriction in what medical groups they can receive care from. Health care and health insurance is about to have the biggest change since HIPPA. Right now there are only prediction on what the market could look like next year. www.indianahealthinsurance.com www.indianahealthinsuranceexchange.com
    March 07, 2013 11:50 am on HEALTH CARE IN 2013: Changes will affect Northwest Indiana
  3. I find it difficult to believe that Hospitals will be able to reduce their charges if Medicaid is expanded. Right now it you look at the cost of procedures at hospitals compared to outpatient facilities there are sometimes triple. Without the expanding Medicaid the health care reform will have additional gaps. On the Exchange if someone qualifies Medicaid then they are not eligible for subsidies. So if Indiana does not expand there will be a segment of the population that might not find coverage. www.indianahealthexchange.com
    February 13, 2013 8:24 am on EDITORIAL: Indiana must discuss health care options
  4. "$14.57 million by the more than 1,500 county employees" These are serious claims numbers.
    I think you have to ask what is being done to try to reduce utilization? The $1 million dollar claim should have an explanation? Counties should look at what the state of Indiana did with the high deductible health plan. This created a huge amount of savings for the state. The county will need a pro active board to step in and make strong changes that might not be popular at first with the employees.
    May 29, 2012 3:21 pm on MARK KIESLING: County insurance plans need an overhaul
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